State Central Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
In Q2 2026, Common equity Tier 1 capital edged up by 2.5%, from $9.7M to $9.9M, the largest move among the key lines here.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 16.11% |
This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $9.9M |
| Tier 1 capital | $9.9M |
| Total risk-based capital | — |
| Total equity capital | $10.7M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 16.88% |
| Tangible equity to tangible assets | 16.88% |
| Equity capital to average assets | 17.10% |
| Internal capital growth rate | 9.28% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $3.4M |
| Common stock surplus | $11.2M |
| Retained earnings | -$3.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $46K |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 10.95% | 9.95% | 9.95% |
| Q4 2023 | 11.08% | 11.23% | 11.23% |
| Q1 2024 | 11.26% | 11.06% | 11.06% |
| Q2 2024 | 10.87% | 11.39% | 11.39% |
| Q3 2024 | 11.92% | 13.66% | 13.66% |
| Q4 2024 | 15.21% | 15.35% | 15.35% |
| Q1 2025 | 13.95% | 13.99% | 13.99% |
| Q2 2025 | 14.37% | 15.79% | 15.79% |
| Q3 2025 | 16.59% | 16.94% | 16.94% |
| Q4 2025 | 15.54% | 17.07% | 17.07% |
| Q1 2026 | 16.10% | 16.96% | 16.96% |
| Q2 2026 | 16.11% | 16.88% | 16.88% |
State Central Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock State Central Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full State Central Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5820) · FFIEC NIC profile (RSSD 808345)